California Hard Money Lending Guide

Our platform has 555 hard money lenders that service California. The loans they offer range from no minimum to $500M with an average cap of $38M. The maximum loan-to-value (LTV) accepted is 100% with an average limit of 83%. The lowest minimum required credit score to qualify for a loan is 300 while the highest is 720. California ranks as #1 in popularity for hard money lenders. The areas with the most real estate and lending activity are Los Angeles, San Diego, San Jose and San Francisco. To find a lender that meets your exact criteria, submit a quick request.

Straightline Funding

Loans from $25K to $1M. Maximum loan-to-value percentage of 90%. 680 credit score required.

43 States

Hanson Capital

Loans from $50K to $10M. Maximum loan-to-value percentage of 80%. No credit score required.

3 States

Cal Pac Capital

Loans from $150K to $10M. Maximum loan-to-value percentage of 80%. No credit score required.

1 State

Rehab Loan Group, Inc.

Loans up to $10M. Maximum loan-to-value percentage of 80%. No credit score required.

1 State

Dynamic Equity Partners

Loans up to $50K. Maximum loan-to-value percentage of 60%. No credit score required.

50 States

BaySierra Financial, Inc.

Loans from $50K to $2M. Maximum loan-to-value percentage of 75%. 600 credit score required.

1 State

Emerald Creek Capital

Loans from $2M to $50M. Maximum loan-to-value percentage of 65%. 630 credit score required.

50 States

Redwood Mortgage

Loans from $200K to $10M. Maximum loan-to-value percentage of 75%. No credit score required.

1 State

Revere Capital

Loans from $2M to $30M. Maximum loan-to-value percentage of 100%. No credit score required.

50 States

Advanced Funding Solutions

Loans from $50K to $5M. Maximum loan-to-value percentage of 70%. No credit score required.

1 State

City Capital Finance

Loans from $500K to $30M. Maximum loan-to-value percentage of 80%. No credit score required.

1 State

Capital Funding Hard Money

Loans up to $10M. Maximum loan-to-value percentage of 90%. No credit score required.

50 States

Investor Direct Capital

Loans from $100K to $10M. Maximum loan-to-value percentage of 100%. 500 credit score required.

47 States

BD Nationwide Mortgage

Loans up to $1.5M. Maximum loan-to-value percentage of 100%. No credit score required.

1 State

Acra Lending

Loans from $100K to $10M. Maximum loan-to-value percentage of 80%. 625 credit score required.

50 States